Originally created 09/26/96

No quick fix for bad credit

Not all credit reporting agencies will have your complete credit history, because not all creditors are members of every agency. For a complete look, you may have to request a history from each company.

Anyone can request a copy of their credit history whenever they want, but there may be a fee. Each agency does offers a free copy to you within 30 days of being denied credit.

The history will not include a credit score, because creditors develop their own scoring methods. Ask businesses or banks that extend credit to you for your scores and explanations of them.

TRW Consumer Assistance Center
P.O. Box 8030
Layton, Utah, 84041-8030
Fee: free (one report per year)

Equifax Credit Information Services
P.O. Box 105873
Atlanta, Ga., 30348
Fee: free in Georgia, $8 in South Carolina and most other states

Trans Union Corporation
(316) 634-8440
P.O. Box 390
Springfield, Pa., 19064
Fee: $8


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